All Types of Mortgages in Orange Park, FL

All Types of Mortgages 

To get a mortgage, you need: money, credit and a loan officer.  

First, money. You need documented income: pay stubs, w-2s, and tax returns or some steady income such as disability pay. Then, a bank account with money for your down payment. 

Second, credit. You don’t need excellent credit, you just can’t have really bad credit. This means a 580 score (although you can go down to 500), and nothing bad recently. Unless you want to pay 20-30%. 

Not too many late payments or car repossession in the last year; no bankruptcy in the last 2 years, no foreclosure-short sale in the last 3 years. You have to pay off any tax liens or court judgment before you can close a loan. And, you need to be current on your student loans. 

Third, a loan officer. A loan officer figures this process for you. I am a licensed Florida Loan Officer and have helped many homebuyers who thought they never would own a home.

 If you have poor credit and no money, I still may be able to help. 

I cannot promise you a mortgage. I can promise that 

  • If there is a mortgage that meets your situation, I will find it.
  • That you will know where your stand.
  • And, you will always be able to reach me. 

Here is the list of some of the most popular loan programs: 

  • FHA: credit score to 580, 3.5% down
  • FHA: credit score to 500, for 10% down.
  • Conventional: credit score to 620, 3% down if First Time Homebuyer
  • USDA: credit score to 580, 0% down
  • VA: credit score to 500, 0% down
  • Jumbos: credit score to 600, 20%-25% down
  • Jumbos: 95% LTV if above 720 FICO

 To find out if you are qualified, call me at 800-991-3268, email me or go to my site and fill out an application. You can visit me at www.ChrisLuis.com

 Chris Luis, Florida Mortgage Loan Officer, State of Florida Loan Officer License #22963, Nationwide Mortgage Licensing (NMLS) #888571. CLuisMortgages, LLC | Florida Broker License # MBR1575 | NMLS #1159714

 Minimum $75,000

 Florida only.

 I work with federal and Florida licensed banks.





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Don't Be Fooled

  • When selling, do not put your home address in your ad.
  • To avoid scams, buy and sell with people you can meet locally, in person.
  • When meeting with someone you don't know, meet in a public place. If that's not possible, have a buddy with you. Also, carry a cell phone; if you feel unsafe, you can call a trusted friend, and stay on the line.
  • Never give out financial or private information like account numbers, PayPal login, or social security number.
  • If an offer sounds too good to be true, it is. Walk away!